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Current Version : 10.9

Program Description:
The Lender's ToolBox™ includes the most
essential tools needed by every lender (or borrower,
for that matter). A versatile
Amortization program that not only computes and prints
the "normal" monthly P&I schedules but also
allows fixed principal payments plus
accrued interest. On-screen options allow you to also
produce "balloon" (lump sum) payment schedules
whenever desired. Use the included Loan Calculator for
quick "what if" scenarios to properly structure
any loan request. Some of the major features include:

Calculate interest
using a 'standard' fixed rate or the variable rate option. When
a variable rate interest rate type is selected you can optionally
project a "worst-case" interest rate scenario for the
computed Amortization Schedule!

Calculate interest using equal 30 day months
(360/360 accrual basis) or exact days between
dates (choose between a 365/365 or 365/360 exact days basis).
Canadian Mortgage calculations
(360/360 with semi-annual compounding) are also supported.

Include odd days to
first payment (positive or negative) when using equal 30
day month calculations.

Include payments for
Insurance, Taxes, and Other escrow amounts in the computed
schedule ... the periodic payment will be adjusted accordingly.

Include "interest free" or
"interest only" payments
at the beginning of the scheduled term. (You can even instruct the
program to 'equalize' the calculated payment amount for loans
containing interest free payments or extend the scheduled term for
loans containing interest only payments!)

The final scheduled
payment can be either a normal or a balloon (lump sum) payment.

You can easily "modify" the standard schedule
to include rate changes, lump-sum or additional payments, reduced/increased principal
payments, etc.

Print your company
name as a page footer on every Amortization
schedule (can be turned off, if you prefer).

Print the sequential payment number next to each payment due
date as well as annual totals (calendar -OR- fiscal year) ... both are optional
with each schedule produced.

Full print preview
with four report styles, user-selectable fonts, and
user-selectable paper sizes. You can even include 'custom'
text in your Amortization Schedule's 'header' section.

Print customized payment coupons
for any Amortization Schedule and easily collate them into
a "payment booklet" for your borrowers.

Save any of your reports to an
HTML or PDF file for viewing or printing in a word processor,
browser, or PDF viewer, and you can also export the Amortization Schedule grid's values to a
tab-delimited text file for import into a spreadsheet application.

You can set your preferred
program & Amortization Schedule defaults to
speed data entry and avoid input errors. (Defaults can be
overridden when necessary on individual schedules).

Copy that
"perfect" loan scenario from the Loan
Calculator to the Amortization Schedule form with the
click of a button. Or use the included Refinancing Breakeven
Calculator to determine the cost/benefits of a refinance package.

Context-sensitive Help is always available with the F1 key,
along with pop-up "What's This?" help on many of the program's
"child" forms.

Adobe Acrobat, Foxit, or other "PDF" files viewer (required for viewing/printing the Payment Coupons only ... optional for other reports)

Volume Discount Pricing:
Additional licenses are available at $20.00 for each user/workstation after
the initial license. These discounted licenses MUST be ordered in conjuction with
your initial license order ... they are not available 'individually' as an add-on
after your order has been processed!IMPORTANT NOTE: The 'additional license' prices can be obtained ONLY by using the
'Mail Order' form on this
site or the Registration-Order Form included with your installed program ...
they cannot be ordered online or by telephone order.

Version 10 incorporates new features that were not present in v9, as
well as many improvements to existing functions:
· Version 10 is a MAJOR 'rewrite' of the program and is fully compatible
with the Windows Vista & Windows 7 operating systems while maintaining backward compatibility with
older WinXP systems). And, as you may have already noticed,
the disk space required for a full installation of version 10 is less than
HALF that of previous versions!
· You can now select the font you want to use in the Amortization Schedule's data grid.
· A new Calculate Odd Days to first payment button has been added (to the right
of the Odd days/1st pymt field) which, when clicked, will automatically
calculate the appropriate number of 'odd days' for its corresponding field.
· The data file 'format' has been expanded & restructured to
incorporate program changes and improvements requested by our existing users.
(A File Conversion Utility is included to convert your existing
(pre-version 10) data to the new file structure.)
· When modifying an existing Contract date or Payment frequency the program
will not only attempt to calculate a new/corresponding First payment due date but
will highlight
that field (along with theOdd days/1st pymt field, if applicable) as a 'visual'
reminder that you should check that data for accuracy before generating the schedule.
· Version 10 now offers you TWO print/print preview options:(1) An internal 'HTML' format that is similar to that offered
by your web browser (with 'WYSIWYG' real-time formatting), and(2) An option to compose your reports in a PDF format, allowing you
to view and print your reports from any PDF viewer (Adobe Acrobat, Foxit, etc.).
· Any reports you generate using the Internal Format
can be saved to an HTML file - with formatting intact - and later loaded into any modern
Word Processor, browser, or other applications that offer 'hyper-text markup language'
support. Likewise, reports generated using the PDF format
can be permanently saved to a PDF file from your PDF viewer.
· You can now set up your own default path and filename to be used for the
program's Backup/ Restore Utility. In addition, you can also easily append today's date
to your backup file name by marking a checkbox now included on the Backup Data Files
tab.